I like your thinking. The kind of tax planning you're doing takes a little effort but it can pay off big.

I've been able to stay in the 15% bracket since retiring. In 2005 I maximized my cap gains at the 5% rate. Expect to do the same in 2006 and 2007. I'll be collecting SS in 2008 and I think it's going to be tricky to get any large amount of cap gains at 0%, but I'll do the best I can.

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